Home Forums Hunting & Shooting Hunter's Campfire can i insure a car if the title is not under my name

can i insure a car if the title is not under my name ?

i am trying to insure a car and the registration and title is not under my name. my friend had an accident and can no longer drive.
i'll be helping him , transferring title or putting my name on title and registration is not an option.

yes

Not sure.

You can always call "Jake"

If you can legally drive it you should be able to insure it.

allstate told me i cant , and i have my car and home with them.

Don't take "No." from just one agency. There are a plethora of company's. Just keep asking, somebody will oblige you.
Just be careful you don't end up with some sham outfit should you have a claim.

Sounds like a scheme to defraud an insurance company... besides Why would you want to. You want to insure your friend's car (putting all the liability on yourself) because your friend had an accident and can't legally drive his car. No, the car could be insured by anyone living in the household and driving the car. But otherwise, No...

Phil

What do you think you're doing with a leased car? You don't own it, but you can insure it (probably have to, per the lease contract).

Who's going to be driving it? Most companies want the primary driver listed on the policy.

Sounds questionable.
Why should you be able to collect insurance payout on an asset that you don't own?

i'll be driving it , he will pay for full insurance.

car rental bossiness is entirely based on the 'other drivers'

My mother's caretaker lady had an at fault accident in my mother's car. My mother's insurance covered it. If I drive someone else's vehicle or a rental my own USAA policy covers me at the limits and exclusions on my policy.

I missed the part where it was stated that the friend can't legally drive the car, could you point that out for me, thank you.

I have my daughter's car on my policy, titled in her name only. She's listed as a driver on my policy, and our legal addresses are the same. Perfectly legit, with my company, in our state. Can't say this applies to anyone else, somewhere else, with possibly different motives for needing auto insurance

is this pard question?

Typically 'No', but there are ways to get insurance.

The easiest way is for you to give him the money to insure the car and add you as a driver.

he can't drive a car , he is legally blind.

google is unable to decipher your question , would you explain?

How does him being blind prevent you from being added as an insured driver on his car?

If an explanation is needed you wouldn't understand.

yes to the original question, been there done that

He can still insure the car and just add you as a driver. That would be the safest bet for you.

since he was declared being legally blind ,he does not have a driver license .

He can still buy the insurance. It is his car. If he owns he, he legally has to have it insured in most states. The legal or physical ability to drive it is something different.

Make sure you are added as a driver to the policy. You can fund the premium with whatever means you choose. Your card, his card, your check his check. Whatever. They will take the funds from anyone.

Again, how does that preclude him from doing so? You don't need a DL to own a car, cars can be insured with others listed as a driver.

I get a DUI - no longer legally allowed to drive. I hire "Dave" to be my driver, little cap and all. Add him to my policy I have on the car as the owner - he's the driver. We're good.

A driver’s license isn’t required to insure a car, but it damn sure makes the rates cheaper. Explain your situation to your insurance agent. If he can’t comprehend it or can’t help you, go shopping for a new one. Hell, tell him you’re renting the car.

Yup.

Im pretty sure rental companies have insurance specifically designed for their situation.
I have State Farm. If I lease a vehicle, I simply call my agent and ask for a "rider" to cover the vehicle....OR....I can pay for coverage from the rental company.
"My" State Farm is cheaper.

The short answer is no.

The long answer is yes.

A car rental is not a lease, or at least not a long-term lease. Most auto leases are 2-3 years.

Exactly - you're talking the traditional "Lease a new Toyota for 299 a month, 24 months, 24,000 miles" usage. People lease because of lifestyle, finances etc. Not a "I just landed in San Diego, I need a car for 3 days" thing.

Yes, I have my sister-in-laws car she passed away a year ago in FL no will no family just her mother which is in a nursing home, and my wife, I am in possession of the title called State Farm they insured it, I also renewed the license last February one the FL plates.

You REALLY need to think about this before you do it. All it would take is one act of stupidity, and it could drain every asset you have saved, and all the ones you want to save in the future.

Talk to his current auto insurance agency about purchasing a "Named non-owner" policy to cover you when you drive the vehicle. It can also cover UM/UIM, and physical damages through comp and collision if you wish. Or see if they will simply add you as the principal operator on his current policy.

ID is most likely like any other state. Insurance is linked to registration, and that registration can be pulled if an active policy is not linked.
A good Independent Agent can answer those questions easily.

I’ve never had to offer documentation of ownership on vehicles I’ve insured. May be that you simply offered too much information? Go into your online service, add the vehicle (and any heretofore unlisted drivers) and pay yer premium.

Me either. I generally do it over the phone. The agent wants a vin and payment. Pretty simple. He does have the ability to verify my driver’s license, driving history, credit score, and probably other things they use to determine rates. He isn’t concerned with ownership, current tags, etc. He is interested in what I want insured, what type of coverage I want, and mainly payment of premium.

Never have I been asked to provide a title, and when you first buy the vehicle, the title is not in your name.

I insured my dad's truck, he passed away about a year and a half ago and the title is still in his name. I had no problems.

Tell Allstate to take a flying F**K at a rolling donut.

Visit this page and find an agent for home, auto, liability, auto and personal, or any other insurance needs.

I have been with FBI since I bought my first car. Several times, other company agents have tried to lure me away. I hand them a copy of my policy.

"Can you match this?" I hear a nervous laugh, and admission that they can not even come close.

Link?

Call your insurance company, and verify that you're insured, no matter whose car you drive.

yes the link would be nice Farm Bureau of Idaho. good people good rates easy to deal with on claims

https://www.idahofarmbureauinsurance.com/find-an-agent/

this computer has been fugged all day no caps no periods no comma curser does not do what it is supposed to

i wonder if ms managed to get win ii on it i am going to reset to factory that will fix it

ETA That seems to have fixed it.

One more thought in regards to Farm Bureau Insurance.

A few years ago I borrowed my Uncle's four horse trailer to take my son and his buddy on a week long pack trip into the Frank Church Wilderness.

I called my agent, told him the exact circumstances, (if I wrecked the trailer, I would pay for it). He took the serial number and put it on my policy. A week later I called the agent and told him the trailer was back home at my Uncle's house. He took it back off my policy. It did not even cost me a dime as the coverage did not go through a monthly billing cycle.

You can't insure something you don't own. No insurable interest. The owner can insure it and add as you as a driver. Why would you want to get financially involved in their vehicle. Just because they don't have a license doesn't mean that person may not drive it. Or allow someone else to drive it. They have an accident and hurt someone one. They show your insurance policy and now your involved in the law suit. I wouldn't do it.

Simple answer:

You don't have an insurable interest in the vehicle.

Most auto policies are called "family auto policies". It covers family residents of the same domicile.

If I borrow another man's vehicle and wreck it. Am I liable for those damages or not?

I know damned well, if he has liability only, who is getting sued for the cost of the rig I wrecked. Or the cost of the deductible if it was insured.

BTDT, except it was my car and my son's buddy who wrecked it. Yes, he had permission to drive the car.

You have to have an insurable interest in the car to take a policy out in your name on the car. Having a significant (and proveable) investment in the car can qualify. Being his buddy will not. But you can be added as a driver to his policy, with a comensurate premium increase. But frankly, if you want to help him out, don't do either. Leave the auto policy in his name. You can drive it occassionally as a permissive user and be covered by his policy in the event of an accident. However, if you become a regular, or principal, operator of the car, you should be added to the policy. If an insurer can prove you are a regular driver and you aren't on the policy, they can argue that there is fraud (rate evasion) going on and terminate, or non-renew, the policy.

I worked for a large municipality.
They had quite a fleet of vehicles. They constantly asked us to purchase a "rider" through our own "auto insurer" that allowed us to drive "their" vehicle.
I never bought it....but I never wrecked one of their vehicles either!

Can he not add you to his insurance plan?

he can't insure without a driver license.

I thought you wanted insurance- - - - -why are you dealing with Allstate? They're only good at collecting premiums and denying claims. Find an independent agent who can shop several companies and get the coverage you need.

all good deeds :

I just called progressive and asked to be removed as a second driver , to my surprise anybody can call and with correct information can add me again.

this is disturbing but true.

Allstate. Dad was in the insurance business as a general agent. One thing he always said is no matter how bad it gets never use Allstate. Thats worth the 2 cents you paid

Specifics vary between states. To think otherwise is woefully ignorant.